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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $91,177 | $98,776-7.7% | $149,745-39.1% | $79,856+14.2% |
| Participation rate | 44.2% | 75.8%-31.6pp | 82.5%-38.3pp | 69.6%-25.4pp |
| Annual return | 16.69% | 27.38%-10.7pp | 276.72%-260.0pp | 31.71%-15.0pp |
| Employer contribution / active EE | $0 | $3,217-100.0% | $4,646-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $3,638 | $5,681-36.0% | $6,843-46.8% | $3,741-2.7% |
| Admin fee / account holder | $1,692 | $6,053-72.0% | $9,312-81.8% | $5,306-68.1% |